Bridgemoni

Money that works when the network doesn't.

Bridgemoni is a bank account in your pocket that keeps working with no signal. Pay a nearby phone by tapping, with no data and no tower, then settle when you're back online. Online, send money, pay bills, plan your spending and manage money with family and your community, all in one app.

PAY OFFLINE
• Keep some money on your phone and pay another Bridgemoni phone by tapping, even with no internet
• Payments settle to your account the next time you're online
• Scan a QR code to pay, or show yours to get paid

SEND AND RECEIVE
• Send to another Bridgemoni user by phone number, or to any Nigerian bank account
• See the account name confirmed before you send, and every charge before you pay
• Add money by transfer to your own account number from any bank app

• Airtime, data, electricity, TV and more, with tokens delivered straight to your receipt
• Save a bill once and pay it again in seconds
• Schedule bills to pay themselves on the day you choose
• A bills calendar and history that show what's due, what's paid and what's coming

BUDGETS AND INSIGHTS
• See where your money goes each month, by category
• Set budgets with alerts as you approach your limit
• Spending goals that stay quiet until you go past them, then tell you
• Record income and cash spending Bridgemoni can't see, so your figures stay true
• Insights with a wealth score, clear money tips and your spending trends

FAMILY POT
• Set aside money for the people you support
• Make promises, schedule payments and answer their requests in one place
• See who received what each month

COMMUNITY
• Join or start a community: an estate, a market association, a group of friends
• Pay dues into a shared pot that officers manage together
• Run campaigns to raise money for a cause, a person or a shared bill, paid straight to the biller
• Payouts need several officers to sign, so no single person controls the money

DEALS
• Buy and sell safely: the money is held until each stage of the deal is agreed
• Release payment stage by stage, with clear steps for both sides

VOUCHERS
• Put money on a voucher code and give it to anyone
• Redeem, check and scan vouchers, and see when they end

REFER FRIENDS
• Share your code and earn from your friends' activity once they join and get verified

SAFE BY DESIGN
• Every payment is confirmed with your PIN
• Offline money stays on your phone, protected, until it settles
• Your wealth score and insights are worked out on your phone from your own activity

Bridgemoni accounts are provided with FCMB Microfinance Bank.